Commerzbank photoTAN

Secure your Commerzbank online banking with photoTAN, the most innovative transaction authentication method available. Approve orders quickly and safely from your smartphone using either push notifications or photo scanning—giving you complete control over your finances with industry-leading security.

With the photoTAN push function, banking approval has never been simpler. When you initiate a transaction through Commerzbank's online or mobile banking, you'll receive an instant notification on your smartphone. Open the app, review the order details displayed, and approve it with a single click. This streamlined process eliminates unnecessary steps while maintaining the highest security standards. Your smartphone becomes your authentication device, replacing traditional TAN methods with modern convenience.

Prefer scanning? The photoTAN scan function gives you flexibility. After placing an order, a distinctive mosaic graphic appears on your screen. Simply scan it with your app to generate your TAN instantly. You can verify all essential transaction details within the app before confirming—ensuring complete transparency before submitting your order on your computer.

Activating photoTAN has become faster than ever. With digital first activation, you can now set up the app immediately after VideoIdent verification, using only an SMS code sent to you—no need to wait for physical activation materials. Within just 3 hours of completing your video identification, you'll be ready to start approving transactions.

The app delivers multiple advantages for your banking security. It operates as Commerzbank's most cutting-edge TAN procedure, combining sophisticated encryption with user-friendly design. Whether you're at home or on the go, you can approve orders instantly. The photoTAN app works seamlessly with Commerzbank's mobile banking application through the App2App function, allowing lightning-fast approvals directly from your banking app. Best of all, the service is completely free—there are no hidden charges or premium costs.

Even when your internet connection is unavailable, you maintain full functionality. The offline scan feature ensures you can continue approving orders without an active connection, making photoTAN reliable in any situation.

To protect your account, Commerzbank photoTAN performs runtime security checks on your device, scanning for known attack vectors like root access or malicious apps. This protects your authentication keys from unauthorized access. The app requires phone function permissions to verify your device's hardware identity—data that remains securely on your device and is never transmitted to Commerzbank. These security measures are essential for safeguarding your banking operations.